Terms of use

1. About these Terms

These Terms of Use ("Terms") govern your use of the website at [https://www.spiritaeg.com/] ("the Website"), operated by Spirit Advisory Ltd, a company registered in England and Wales (company number 13670841) with its registered office at 23 Riverside Studios, Amethyst Road, Newcastle Business Park, Newcastle Upon Tyne, NE4 7YL ("Spirit", "we", "our", or "us").

By using the Website, you agree to these Terms. If you do not agree, please do not use the Website. These Terms should be read alongside our Privacy Policy, Cookie Policy, and Accessibility Statement.

2. Changes to these Terms

We may update these Terms from time to time. The current version will always be available on the Website with the "Last updated" date shown above. Continued use of the Website after a change means you accept the updated Terms.

3. Using the Website

You may use the Website for lawful purposes only. In particular, you must not:

• Use the Website in any way that breaches applicable law or regulation

• Use the Website to send unsolicited or unauthorised marketing

• Knowingly transmit any virus, malware, or harmful code

• Attempt to gain unauthorised access to the Website, the server on which it is hosted, or any related system

• Use any automated system in a way that materially harms, disrupts, or imposes an unreasonable load

• Use the Website to impersonate another person or organisation

• Reverse-engineer or attempt to interfere with or compromise the Website or related systems. (other than to the limited extent permitted by law)

We reserve the right to restrict, suspend, or terminate access to the Website for any visitor who breaches these Terms.

4. The waitlist

When you join the waitlist, you confirm that:

• The information you give us is accurate, and you are authorised to provide it

• You are using a genuine business email address where one is required

• You understand that joining the waitlist does not guarantee access to the Spirit platform or any product or service

We may close, decline, or remove waitlist entries at our discretion, including where information appears to be inaccurate or where the waitlist has reached capacity.

5. Intellectual property

The Website and all content on it — including text, graphics, logos, images, video, software, and design — are owned by Spirit or our licensors and are protected by copyright, trademarks, and other intellectual property rights.

You may:

• View, download, and print pages from the Website for your own personal or internal business reference

• Share links to the Website on social media or in correspondence

You may not, without our prior written permission:

• Reproduce, republish, or redistribute Website content commercially

• Modify or create derivative works from Website content

• Use any Spirit trademark, logo, or brand element in a way that suggests endorsement, sponsorship, or affiliation that does not exist

6. Third-party content and links

The Website may include links to third-party websites or resources. These are provided for your convenience only. We do not control those sites and are not responsible for their content, accuracy, or practices. Following a link is at your own risk.

7. No professional advice

The Website provides general information about Spirit and the markets and topics it works in. Content on the Website does not constitute professional, legal, financial, technical, or commercial advice. If you need advice for a specific situation, you should contact a qualified adviser, including by contacting us directly to engage Spirit's consultancy services.

8. Availability

We do our best to keep the Website available and functioning correctly, but we do not guarantee that it will be uninterrupted, error-free, or secure. We may suspend, withdraw, or change all or any part of the Website without notice. We will not be liable to you if the Website is unavailable at any time.

9. Disclaimers

To the maximum extent permitted by law, the Website is provided "as is" and "as available". We make no representations or warranties — express or implied — that:

• The Website will meet your specific requirements

• The Website will be uninterrupted, timely, secure, and error-free

• Any information obtained through the Website will be accurate, complete, or reliable

10. Our liability

Nothing in these Terms excludes or limits our liability for:

• Death or personal injury caused by our negligence

• Fraud or fraudulent misrepresentation

• Any other liability that cannot be excluded or limited under English law

Subject to the above, we will not be liable to you for any:

• Loss of profits, revenue, business, or anticipated savings

• Loss of goodwill or reputation

• Loss of, or corruption to, data

• Indirect, special, or consequential losses

arising from or in connection with your use of the Website.

Our total liability to you in connection with the Website (for any reason and on any basis) is limited to £100. These limits apply whether the claim arises in contract, tort (including negligence), breach of statutory duty, or otherwise.

11. Your responsibility

You agree to use the Website responsibly and to indemnify Spirit against any loss, damage, or claim arising from your breach of these Terms or your misuse of the Website.

12. General

• Entire agreement. These Terms, together with our Privacy Policy and Cookie Policy, set out the entire agreement between you and Spirit regarding your use of the Website.

• Severability. If any part of these Terms is found to be unenforceable, the rest will remain in effect.

• No waiver. A delay or failure by us to enforce any right under these Terms is not a waiver of that right.

• Assignment. You may not transfer your rights under these Terms. We may, for example, transfer ours if Spirit's business is sold or restructured.

• Third parties. No one other than you and Spirit has any right to enforce these Terms under the Contracts (Rights of Third Parties) Act 1999.

13. Governing law and jurisdiction

These Terms and any dispute arising out of them are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction to resolve any dispute, although Spirit retains the right to bring proceedings against you in your place of residence or business if needed.

14. Contact us

If you have any questions about these Terms, please contact us at:

Spirit Advisory Ltd 23 Riverside Studios, Amethyst Road Newcastle Business Park Newcastle Upon Tyne, NE4 7YL Email: [hello@spiritaeg.com]